I use OpenCode and I like knowing the direct token spend for doing tasks. A healthy repo can get a lot done with Luna + fresh context. Then I can spend $1-$2 a day when I'm doing development, and costwise honestly it beats a $200 / month plan.

I also just do a bit of hand-coding to guide the agent still.

I worry the $200 / month plans are loss-leaders encouraging you to maximize token usage to churn out slop, rather than thoughtfully use coding agents in a way that still engages your brain, and produces good software.